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Submit your online application or speak with a Surge specialist.
Unlock your equity, without the bank delays
Cash-out solutions that allow property owners to access their equity without restrictive bank conditions — with funds released immediately after settlement.
- Access equity tied up in property
- No invoices or usage restrictions
- Fast approvals and urgent settlements
Cashing out with banks can be challenging
Many property owners running a business can be asset-rich but cash-constrained. Yet accessing equity through traditional banks can be slow, restrictive, and frustrating.
When applying for a cash-out loan with a bank, borrowers are often required to:
- Provide signed contracts or invoices showing exactly how funds will be used
- Accept strict limits on how much equity can be accessed
- Navigate lengthy approval processes and credit committees
- Surrender control over timing and use of their own capital
Even with strong equity, banks often decide when and how you can access your money.
The private lender advantage
Private lenders take a very different approach.
With Surge Finance’s cash-out solutions, clients can:
- Access as much equity as the asset allows
- Use funds for business or investment purposes
- Avoid excessive documentation and red tape
- Move quickly with flexible, real-world underwriting
No invoices. No rigid explanations. Just access to capital when timing matters.
Typical scenarios:
Business owners often explore cash-out solutions to:
- Bridge a cashflow gap while waiting for refinance or sale
- Inject urgent capital into a distressed business
- Fund business expansion or acquisition opportunities
- Purchase additional property ahead of bank funding
- Consolidate debt or stabilising financial pressure
Why Choose Surge for Cash-Out Finance
Surge Finance specialises in short-term, secured lending designed for time-sensitive situations, especially where banks can’t or won’t act fast enough.
Fast approval and settlement
Typically within 1–5 days.
High LVR solutions
Unlock equity without over-restriction
Flexible structures
Designed around your exit strategy.
Experienced lenders
Specialists in distressed and urgent finance.
How We Get You Funded
Turning your property assets into working capital — fast and hassle-free:
- 1
- 2
Assessment
We’ll review your security and funding requirements, and provide an indicative offer within hours.
- 3
Approval
Finalise property valuation and documentation.
- 4
Settlement
Funds are released immediately after settlements.
It’s so simple when you partner with Surge Finance.
- Money available from 24h of approval
- Choose 1–12m Term flexibility
- Over $300M Funding to Australian SME
Put your equity to work.
If your capital is sitting idle and timing matters, Surge Finance can help you unlock your equity quickly, without the delays and restrictions of traditional lenders.
Frequently Asked Questions
Aim aim is to make securing important funding for your business feel simple and straightforward. Our team is on hand to help navigate the details.
How much equity can I access?
The amount depends on your property value, existing debt, and exit strategy. Surge Finance focuses on what the asset can support, not arbitrary bank limits.
Do I need to show invoices or contracts?
No. Unlike banks, Surge does not require invoices or signed contracts to justify the use of funds.
How fast can funding be arranged?
Most applications are approved within 1–5 days, with funds released immediately (or within 24 hours) after settlement.
What can I use the funds for?
Cash-out finance can be used for business purposes, investment opportunities, debt consolidation, or bridging scenarios.
Is this a long term loan?
Cash-out facilities are typically short-term and structured around a clear exit strategy such as refinance or sale.